Re: Take the FICO Fitness Challenge for 2011!

I'm so excited to join the FICO Fitness Challenge for 2011. Here goes:

1. My 2011 FICO score goal for 2011: 780 (or very close to it)

2. My current FICO scores: EX 728, EQ 719 (obtained from Chase Bank when I applied for a re-fi), TU 714 (all as of 12/17/10)

3. The steps I plan to take to achieve my goal: 1. To not apply for any additional revolving credit lines, 2. To reduce my overall utilization from 33% to anywhere between 10-20%, 3. Continue to pay all bills on time (as of current, I have no late pays in my credit history), 4. Try and find a way to not be so "mortgage heavy"

Re: Take the FICO Fitness Challenge for 2011!

2. Current scores: EQ: 652 (lowered after applying to PSECU(?) so that I can get my Experion monthly score; in retrospect that was stupid, but I got caught up in the madness. Lesson learned.) Transunion: ? EX: ? (Will update later)

3. My 2011 goals: payoff my car loan; continue my strong payment habits; more budget paring; clean up a few wrong items on my report; get a house; get accepted to my masters program. No credit card apping unless I qualify for a card that helps me with my house when I get it. Oh, live within my means (constant struggle) which ties into my journey to live the simple life and be happy with less. Marry George Clooney.

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